Cost-effective Homeowners Insurance
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Homeowners Insurance in California
Premiere Alliance Insurance is committed to ensuring every homeowner in California receives reliable protection. We provide a variety of homeowners insurance options and have local agents throughout the Golden State. This allows us to find the right policies tailored to your needs.
The Ideal Coverage for Homeowners in California
By choosing Premiere Alliance, you’re opting for one of America’s top homeowners insurance providers with deep roots in California. Premiere Alliance has been serving Californians since 1962, making us experts on the unique needs of this great state.
Our local agents work with you to create a custom plan, ensuring we understand your specific area. For instance, a home in Joshua Tree faces extreme heat, while Northern California can experience freezing temperatures. San Diego homeowners might not be as concerned about the San Andreas fault line as those in Daly City. These diverse conditions require tailored protections, which our local agents are equipped to provide.
According to the Public Policy Institute of California, property crimes in 2021 included 63% larceny thefts, 16% burglaries, and 21% auto thefts. We aim to protect you from weather damage, natural disasters, and property theft. That’s why we offer a comprehensive range of insurance options, including:
What the insurance covers...
Personal Liability Coverage
Safeguards your finances if you are held responsible for damages or injuries to others, whether they occur inside or outside your home.
Personal
Belongings
Covers items in your home, such as electronics, furniture, and clothing, so they can be replaced or repaired if damaged in a covered loss.
Home Structure Protection
Provides coverage for damage to your home, including the foundation, walls, roof, and other structures, caused by covered perils such as fire, storms, or hail.
Additional
Replacement Value
Provides up to 150% extra coverage for additional expenses when rebuilding your home after a covered loss.
Identity Theft Coverage
Covers the costs you face due to criminal identity theft.
Guest Medical
Coverage
Assists with medical expenses if a guest accidentally injures themselves on your property.
Relax and create
Premiere Alliance knows the value of saving every dollar. That’s why we provide various discounts for California residents. Whether you’re buying a home in San Francisco, Santa Barbara, Los Angeles, or any other part of this beautiful state, remember that taking steps to protect your house before getting homeowners insurance can qualify you for more discounts. Here are some of the discounts we offer:
- Multi-policy Discount for Combining AUTO + HOME
- Discount for Protective Devices (such as smoke alarms, deadbolts, burglar alarms, etc.)
- Newer Home
- Fire-Resistant Building Materials
- Gated Community
- Opting for a higher deductible
California Homeowners Insurance Coverage
Homeowners insurance usually offers coverage for your home and belongings if they are damaged in a fire, whether accidental, like a cooking fire, or natural, such as a wildfire.
As reported by MarketWatch, the average annual cost of homeowners insurance is $1,550, or about $138 per month. Mercury provides some of the most competitive homeowners insurance rates in California. Contact us for a quick, free quote and see how much you could save!
Premiere Alliance requires you to insure your home for its full replacement cost to receive complete coverage after a covered loss. The replacement cost value represents the estimated cost to rebuild your home, excluding the land’s value. This differs from the market value, which reflects what a buyer might pay for the home, including the land.
Homeowners insurance often covers water damage from sudden, unintentional leaks like burst pipes or faulty appliances. However, it doesn’t cover flood damage. You’ll need a separate flood insurance policy to protect against this specific risk.
Discover the insurance options we offer in California:
– Auto Insurance
– Homeowners Insurance
– Condo Insurance
– Renters Insurance
– Mechanical Protection
– Business Auto Insurance
– Business Owners Insurance
No, California doesn’t mandate homeowners insurance, but mortgage lenders might require it as a condition for securing a loan.